XRP News Today: XRP Surges 773% as Trump Victory and Gensler Resignation Reshape Crypto Landscape

Ripple’s XRP has surged to prominence in 2025, riding a wave of political and regulatory tailwinds. The asset, which underpins the RippleNet payment system, has delivered a staggering 773% return over the past three years, outpacing Bitcoin’s 426% gain during the same period [1]. Analysts attribute this rise to President Donald Trump’s November 2024 victory, which reshaped the crypto landscape by removing regulatory uncertainty. The resignation of former SEC Chair Gary Gensler—a vocal critic of XRP—eliminated a major legal overhang for Ripple, spurring renewed institutional interest in the asset [1]. Meanwhile, the launch of spot crypto ETFs and broader market accessibility have amplified demand for both XRP and Bitcoin.

However, the same forces driving XRP’s success also expose it to significant risks. Despite its rapid adoption in cross-border payments, RippleNet’s utility remains niche. While approximately 300 financial institutions use the network, only a fraction employ XRP as a bridge currency. The global SWIFT system, used by over 11,000 institutions, continues to dominate the space. Critics argue that XRP’s $186 billion market cap is inflated relative to its limited real-world adoption, raising concerns about a potential 50% correction over the next two years [1].

Bitcoin faces similar challenges despite its meteoric rise to $120,000 per token. The asset’s recent surge has been fueled by strategic government reserves and corporate Bitcoin treasury purchases. Yet, its lack of practical utility—evidenced by El Salvador’s underused adoption of Bitcoin as legal tender—and its vulnerability to artificial demand from speculative companies cast doubt on its sustainability. Analysts warn that Bitcoin could retreat below $60,000 as market euphoria wanes [1].

While XRP and Bitcoin dominate headlines, a DeFi token is emerging as a potential disruptor. Mutuum Finance (MUTM), a decentralized finance project, is positioning itself as a 2025 “millionaire-maker” crypto. The project is currently in phase 6 of its presale, priced at $0.035 per token, with a projected 14.29% price increase to $0.04 in phase 7. Investors entering at the current stage could secure a 71.43% return on investment upon the token’s $0.06 launch price [2]. The presale has already raised over $13.7 million and attracted 14,500 unique holders. MUTM’s growth is underpinned by its innovative smart decentralized lending platform, which combines Peer-to-Contract and Peer-to-Peer models to enhance flexibility and efficiency in asset management.

A key component of MUTM’s strategy is its USD-pegged stablecoin, developed on the Ethereum network. The project underwent a security audit by CertiK, a leading blockchain security firm, to ensure code integrity and transparency. Complementing this, a $50,000 bug bounty program was launched to incentivize community involvement in identifying vulnerabilities. Additionally, MUTM has allocated $100,000 in rewards for presale participants, including $10,000 in tokens for 10 early supporters, and a leaderboard offering bonus tokens to top 50 holders [2].

The crypto sector’s volatility is further exacerbated by regulatory and macroeconomic factors. While Trump’s pro-crypto stance has eased investor fears, shifts in U.S. policy or global economic downturns could reignite market caution. For XRP, the absence of widespread institutional adoption and competition from alternative payment solutions pose long-term hurdles. Meanwhile, Bitcoin’s reliance on speculative investment strategies—such as corporate treasury purchases—risks creating a bubble that could burst as demand normalizes [1].

Investors navigating this landscape must weigh the potential rewards against the inherent risks. XRP’s three-year gains and Bitcoin’s ETF-driven rally highlight crypto’s ability to outperform traditional markets, but both assets remain subject to abrupt reversals. The DeFi token touted as a “millionaire-maker” underscores the sector’s innovation yet also reflects the speculative nature of emerging projects. As 2025 progresses, the focus will shift to whether these gains are sustained or if regulatory and market forces trigger a recalibration [3].

Source: [1] [Prediction: 2 of Crypto's Biggest Winners -- XRP and Bitcoin](https://www.mitrade.com/au/insights/news/live-news/article-8-991007-20250728) [2] [Ripple (XRP) is Heating Up, But This DeFi Token Could be 2025’s Biggest Millionaire-Maker Crypto](https://coinmarketcap.com/community/articles/6887281fccfa7925fe395c20/) [3] [Top 10 Meme Coins That Could Ride 2025's Bull Market](https://www.analyticsinsight.net/cryptocurrency-analytics-insight/watchlist-ready-top-10-meme-coins-that-could-ride-2025s-bull-market-to-100x)